Velocity Mortgage Capital >

Our
Business

Velocity’s reputation and deep history within the real estate lending community position us as a preferred lender for mortgage brokers. We have been originating and acquiring loans in our core market since our inception in 2004, making us a recognizable brand with a proven ability to execute. We have developed a strong reputation in the market for high quality execution and timely closing, which we believe are the most important qualities our mortgage brokers value in selecting a lender.

The mortgage broker community in the United States is large and we believe that there is an attractive opportunity for us to capture significant growth in the share of mortgage brokers that recognize our unique platform capabilities and product offerings in addition to capturing incremental volume from our existing broker network.

What
We Finance

We originate and acquire loans with initial balances from $75,000 to $5 million secured by first mortgage liens on income-producing and/or owner/user commercial properties that include:

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Investor 1-4

Non-owner occupied residential rental properties with 1-4 units.
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Mixed-Use

Residential apartments combined with office or retail space.
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Multi-Family

Traditional apartment buildings, condominiums and other residential properties with 5+ units.
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Retail

Income producing properties with various types of retail products, merchandise or services.
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Office

Commercial properties occupied by professional or business offices.
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Warehouse

Commercial structures used to hold products and goods for a fee.
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Other

Self-storage units, auto services, hospitality, light industrial and other commercial enterprises.
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Rehab & Resale

Short-term, interest-only loans for acquiring and improving 1-4-unit residential properties.
Who

We Finance

Our ability to understand the unique needs of independent real estate investors and small business owners sets us apart from traditional lenders
Steve & Diane
In addition to their regular day jobs, Steve and Diane invest in real estate by purchasing single family residences, making improvements and renting them out.
Mark
Mark owns seven apartment buildings and wants to buy another. However, he needs to close the deal in 21 days to acquire the property and doesn’t want to pay hard money rates.
James
James operates a neighborhood bakery on the ground floor of a mixed-use building with his residence upstairs. Because of this, his bank couldn’t finance the property.
Patricia
Patricia owns a small custom dress shop she opened two years ago. Since then, her sales have taken off. She wants to purchase her own space, but her bank needs three years of tax returns to qualify her for a loan.
John
John makes a living from fixing and flipping houses in Boston. Since he’s forced to shut down construction during the winter, he can’t show consistent income to qualify for a bank loan.
Julie
Julie is a doctor who owns a medical office condo in a large commercial building. She wants to do a cash-out refinance and use the funds to invest in new medical equipment. Unfortunately, her debt-to-income ratio is too high for a traditional bank loan.